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Virtual Wallet®

Manage Your Financial Life

Life doesn't get any less complicated — especially when it comes to your money. Virtual Wallet gives you one clear picture of your money, so you can understand it, stay in control, plan for the future and reach your goals.

Calendar, Bill Pay & Danger Day℠

See Everything in One Place

Calendar, Bill Pay & Danger Day℠

Calendar

This is not your average calendar, it's your bill payment hub. You'll see everything in one place on a calendar view — your upcoming payday, what you're spending and when you spent it, your scheduled bill reminders and your upcoming payments. You can also see any impending Danger Day℠ and use Online Bill Pay, which means worrying less and making sure late payments don't happen again. Feeling better already, aren't you?

Bill Pay

Gone are the days of worrying about every bill and due date. With PNC Online Bill Pay, we'll help you stay on track. Bills are integrated with the Money Bar® and the Calendar, so you know how much money is set aside and when it's on the way out. You can schedule payments whenever you need to — or set up recurring, automatic payments for even less worry. And while the Calendar is one way to remind yourself of your obligations, we can also send you emails about upcoming due dates to keep you on top of things. You have enough deadlines. Go ahead and cross this one off.

Danger Day

We've all had those weeks when the bills outweigh the paychecks and due dates loom. Enter Danger Day. Color-coded in red (so you won't miss it), it shows up on your Calendar when your Spend account is at risk of being overdrawn. This way, you can keep ahead by moving money from Reserve or changing the day a bill is paid. Stay on time, every time.

Money Bar®

Move Money Easily

Money Bar®

Get a bird's eye view of what your money's up to. The Money Bar puts it into three categories: Scheduled Out (the money allocated for bills and other payments), Free (money that's available to spend), and Reserve (the money you've tucked away). It's our way of making everything clearer.

Once you've got a good idea of where everything is, you can make adjustments. Need extra money for date night? Got a little left over you want to put toward that vacation? Using the Slider, you can move money back and forth between Spend and Reserve with no effort. Managing your funds is literally in your hands.

Wish List

Set Goals and Reach Them

Wish List

What's the point of working hard if you're not treating yourself once in a while, right? The Wish List is where you'll set sights on the things you want and start saving. You can put money toward each item in your Reserve account, keep track of your progress, and transfer money to Spend when you've reached your goal. And you can give certain items priority. So, if you really need a new fridge before that trip to Bora Bora, you can put money where it's needed.

And while we're on the subject, don't forget Reserve Items. They let you set aside money for future expenses and get a reminder on your Calendar.

Spending + Budgets

Track Your Spending

Spending + Budgets

It's easy for money to fly out the door, especially when you're having fun. Spending + Budget's tools provide a simple way to see what you're spending your money on each month - and get a hold on it. Broken down into categories like Education, Restaurants, Gas and more, it allows you to set a budget for each. You can also set up to get handy reminder emails if you're close to maxing out your budget for any category. That way, you can hit the brakes before going over the edge.

Savings Engine®

Save Without Even Thinking About It

Savings Engine®

You can't always think about saving, especially when you're too busy spending. That's why we built the Savings Engine. It gives you three easy ways to put cash aside — even when saving is not exactly top-of-mind. With the Payday Savings rule, a predetermined amount will automatically transfer from Spend to Growth on days you've designated as pay days. Bill Pay makes it easy to transfer money to Growth whenever you pay a bill online from your Calendar. Punch the Pig® is an on-the-fly way to add money to Growth while you're banking online.

Punch the Pig®

Saving Made Fun

Punch the Pig®

The only thing more rewarding than saving money is having a little fun doing it. That's the idea with Punch the Pig. When you're banking online, just "punch" the piggy bank and money (the amount of your choice) will transfer from your Spend account to your Growth account. (That "punch" is a "shake" for smartphone users.) Go ahead. You know you want to.

Mobile

Master Your Money Wherever You Are

Mobile Banking

With Virtual Wallet, your bank is only as far away as your mobile device. You can bank when and where you want with the Virtual Wallet Insider app. You can use your iPhone®, Android™ or other supported mobile device, including tablets.

Our new app, Virtual Wallet Insider, offers you all the same major features found on desktop combined with exclusively mobile tools like mobile deposit and Money Bar Preview.

Credit Card

Putting It All Together

Credit Card

Include your current PNC credit card in your Virtual Wallet and experience helpful features such as:

Calendar - View your credit card balance alongside your Spend account balance as well as past charges on your credit card, payments to your card, when your payments are due and when your next statement is created

Spending + Budgets - See your credit card transactions automatically sorted in to different categories to help you better understand and track your spending

Spend, Save and Grow

Virtual Wallet is comprised of three distinct accounts, working together as one seamless, online money management tool.

SPEND is your primary checking account.
It's designed for your everyday spending. Debit card purchases are deducted from your Spend (you can withdraw money at ATMs from any of your accounts). You’ll use Spend to pay bills by check or through Online Bill Pay. It also works in harmony with your Reserve.

GROWTH is your long-term savings account.
It functions as your secondary Overdraft Protection. The competitive interest rate[2] makes it perfect for you to build your nest egg and grow financially. Put money into your Growth to save up for life-changing purchases ahead - a car, a down payment on a house, or even a dream vacation.

RESERVE is your short-term savings account.
It functions as your primary Overdraft Protection — so if you're at risk of overdrawing your Spend account, money can be automatically transferred from your Reserve to your Spend at no charge. Utilize your Reserve to set aside money for upcoming expenses.

Add a PNC Credit Card.
Rewards, cash back or low interest...no matter what you are looking for in a credit card, we've got you covered. Add your PNC credit card to your Virtual Wallet to receive the same money management tools and view of your spending.Find the right credit card for you »

Ready to Get Started?

We have different editions of Virtual Wallet, designed to fit your specific needs.

Virtual Wallet

Virtual Wallet Student

A simple way for students (and their parents) to keep money organized while away at school.Learn More »

Supercharge Your Virtual Wallet

If you want to earn bonus rewards with your PNC Visa® Credit Cards, get greater ATM benefits, earn higher interest on balances and more, you can supercharge your Virtual Wallet with Performance Spend or with Performance Select.

RESOURCE

Fine Print

Important Legal Disclosures and Information

PNC does not charge a fee for Mobile Banking. However, third party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking App. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

If you make at least 5 qualifying purchases in a month with your Virtual Wallet Debit Card or included PNC credit card included in your Virtual Wallet or set up a qualifying monthly direct deposit of at least $500 for Virtual Wallet, or 2,000 ($1,000 for Workplace) for Virtual Wallet with Performance Spend or $5,000 for Virtual Wallet with Performance Select, you'll earn the high yield rate (relationship rate) on your Growth account for the following month.

A qualifying direct deposit is a recurring electronic deposit made by an employer or an outside agency. Transfers made from one account to another or deposits made via a branch, ATM, online transfer, mobile device or the mail are not eligible to meet this requirement.

The customer videos on this site are non-paid testimonials by real PNC customers.

Apple, iPod, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. iPhone, Touch ID and Apple Pay are trademarks of Apple Inc. App Store is a service mark of Apple Inc.

Android is a trademark of Google Inc.

Visa is a registered trademark of Visa International Service Association and used under license.